card-funding-risk
Analyzes Stripe payment method funding types — prepaid, debit, credit, unknown — across active and past_due subscriptions. Use when the user mentions "prepaid cards", "virtual cards", "disposable cards", "debit churn", or "block card types". Pair with radar-fraud-rules for blocking rules.
Informations de source
- Dépôt
- appeeky/stripe-skills
- Dernière activité de la source
- 19 juillet 2026 à 10:10
- Langue détectée de SKILL.md
- anglais
- Étoiles
- 5
- Forks
- 1
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Affichage de SKILL.md
SKILL.md
Instructions source · Aperçu en lecture seule- name
- card-funding-risk
- description
- Analyzes Stripe payment method funding types — prepaid, debit, credit, unknown — across active and past_due subscriptions. Use when the user mentions "prepaid cards", "virtual cards", "disposable cards", "debit churn", or "block card types". Pair with radar-fraud-rules for blocking rules.
- metadata
- {"version":"1.0.0"}
# Card Funding Risk
## Stripe MCP Setup
Requires **Stripe MCP** connected via OAuth or restricted key. Docs: https://docs.stripe.com/mcp
1. `GetMcpTools` with `server: "user-Stripe"` (or `plugin-stripe-stripe`) before any call
2. Prefer `stripe_api_search` → `stripe_api_details` → `stripe_api_read` for list/retrieve
3. **Always paginate** — `limit: 100`, follow `has_more` with `starting_after`
4. Amounts are in **cents** unless noted
5. Never expose secret keys in output
## Workflow
1. Paginate `GetSubscriptions` — statuses: `active`, `past_due`, `trialing`
2. Expand `data.default_payment_method`
3. Read `payment_method.card.funding`: `credit` | `debit` | `prepaid` | `unknown`
4. Cross-tab: funding × status (active vs past_due)
## MRR Normalization
Same as `mrr-arr-snapshot` — report prepaid/debit MRR separately.
## Blocking Options
| Approach | Catches | Misses |
|----------|---------|--------|
| Radar: `Block if :card_funding: = 'prepaid'` | Prepaid, many disposable | Virtual debit |
| Radar: 3DS on new cards | Fraud, some disposable | Low-balance debit |
| Webhook reject on `prepaid` | Post-checkout cleanup | After first charge |
Requires **Radar for Fraud Teams** for custom rules.
## Output Template
```
Card Funding Audit
| Status | Credit | Debit | Prepaid | Unknown |
|--------|--------|-------|---------|---------|
Past due with prepaid: [n] / [total past_due]
Active with prepaid: [n] / [total active]
Prepaid subs (detail):
| sub | last4 | country | MRR |
Recommendation: [block prepaid / 3DS / monitor debit past_due rate]
```
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